We’re in for an ‘extremely active’ hurricane season. Do you need travel insurance?

Before you buy a third-party travel insurance policy, check to see if you already have some protections through other sources. For example, a homeowners or renters insurance policy may cover your belongings away from home, said Worters — helping alleviate worries about theft or lost baggage.

Travel insurance is also a common perk for credit cards, provided you paid for those travel arrangements with the card. (Again, you’ll want to scrutinize details carefully.) On the most generous cards, you might have coverage of up to $10,000 per trip, according to a recent Squaremouth analysis.

That might mean you don’t need a policy at all, or only need one that fills in gaps — say, to add medical coverage and cover any trip costs that exceed the cap, said Benna. That stacking can help you create a more comprehensive policy at a lower cost, he said.

If you’re a frequent traveler, insurance coverage might also be something you look for the next time you’re hunting for a new card, Jill Gonzalez, an analyst at WalletHub.com, told CNBC earlier this summer. A recent analysis from the site found that one-third of credit cards offer trip cancellation insurance, with an average $3,200 in coverage. Nearly 40 percent offer lost luggage insurance, and a quarter offer delayed luggage insurance.

“These benefits are probably not top of mind,” she said — but they could save you hundreds of dollars.

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